Customer Experience

Veon’s Jazz in Pivot Peril as PTCL-Etisalat Merger Shakes Up Pakistani Telecom Landscape

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In the burgeoning telecom sector of Pakistan, Veon’s subsidiary Jazz faces a pivotal juncture. Veon’s third-quarter financial disclosures and strategic plans, outlined during their latest earnings call and a comprehensive trading update, convey a narrative of a company striving for digital metamorphosis amidst a fiercely competitive and economically challenging environment. The latest figures from Veon … Read more

He Said Xi Said: The looming threat of Data Privacy in Pakistan. The Currency of the Future.

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The writing is on the wall. We just got bail out funds from Xi, its not a bad thing. Who else would underwrite the plundering of all our combined leadership or the lack thereof. “China comes with a lot of money and says you can borrow this money,” Dr. Mahathir said in an interview before the … Read more

Enemies at the Gate. Bas Kardo yeah pouchna kay PayPal Kab Aye ga?

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There’s a lullaby for suffering And a paradox to blame But it’s written in the scriptures And it’s not some idle claim   Every month, every week, every day, someone is hell bent on asking, probing or claiming something to do with a payments play. I say “stop it.” The answer is self evident. Like … Read more

Its Complicated. The curious case of Fintechs, Banks and Asma.

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It truly is complicated, every one just graduated from MAU(Monthly Active Users) to AI (Artificial Intelligence) and now on to Blockchain. (Formerly known as Block Chain). We are still catching up on financial inclusion. Before we get in to Artificial Intelligence lets talk about basic intelligence or due diligence. With news daily of X “local” … Read more

The next 100 million users are ready? Are you?

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TL;DR; NBU(New Bankable Users) + E-commerce + Payments + Logistics. Did the big guys really miss this? Move over ad-tech, the ride hailing guys may just have a better handle on this one. Here are the thick big published statistics. An addressable population of 210M+. Roughly 125M people under 30 years of age. 60M smart … Read more

Pakistani banks have nothing to fear when it comes to Fintech!

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You read that right, but what you missed was that they are barely mobile and or digital to really fear the paradigm shift that is essentially Fintech.  Fintech wont take down Pakistani banks, they will try to totally blame that(in time), but what will take these banks down are the 50-60 Yr old CEOs lack … Read more

Hello Developers….Are you building for the Onavo mindset?

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So I was wondering how Facebook identifies upcoming companies, startups , products and competition. How did FB decide to acquire Whatsapp? How does it see traction? What tell tale signs is it mining for? Beyond trends there has to be hard data and user attribution that is allowing it to completely destroy the competition or … Read more

Why you should care about Allen and Company & not Raiwind and Company

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You can and will be forgiven if you didnt know any thing about Allen and Company before today. But only this once. It tells me a few things about you, the amount of online hours you are spending need a new cause, as what ever you are doing online is clearly not half as bad-ass … Read more

If Tendulkar ran CNN : The State of Media in Pakistan (Cliff notes version)

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I profess, I know nothing about Cricket and I am sure Tendulkar will say the same about running an enterprise, for arguments sake CNN. There is a crisis of professional leadership within the realms of Media enterprises in Pakistan. It is any thing but professional and not aligned with strategic growth objectives of the people … Read more